The conditions for transferring Hefei commercial loan to provident fund loan are: the applicant has paid the housing provident fund in full and normally for more than 1 year, and the applicant must be the same person as the original commercial loan borrower; The original housing loan is a pure commercial loan with normal repayment status and good credit.

Legal objectivity:

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.